I think Roger need not buy a banner if he gave the advice free to the forum.
If he posts hypothetical or non-public info and then requests you buy the service, then he should buy a banner.
Roger's call was spot-on.
That puts him either 2 for 3 or 3 for 4, I believe, from what I remember on his posts here at TFC.
I value his posts.
I just love timers, particularly when they're right!
icd